HDFC Ergo Health Suraksha is a cost economical health insurance plan. No pre policy medical check up required for up to age 45. This plan covers hospitalisation expenses, pre and post hospitalization, day care and domiciliary treatment, Ayush coverage. The NCB benefit is also provided in the plan. One can opt for optional cover such as maternity, new born coverage, OPD dental care, contact lenses, spectacles etc. on additional premium payment.
Please note HDFC Ergo my:health Suraksha Plan is withdrawn.
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HDFC Ergo Health Suraksha – What is covered?
One can buy the policy for self, spouse, son and daughter.
Entry Age: For Adults -18 Years to 65 Years
Dependent child is also covered if both the parents are covered in the same plan.
| HDFC Ergo Health Suraksha Plan | |
| Feature | HDFC Ergo Health Suraksha Plan |
| Minimum Age at Entry | 91 days |
| Maximum Age at entry | No maximum age |
| Sum Assured | 1 lac to 50 lac silver, gold & Platinum Plan ( detailed list is given below) |
| Room Rent | Actual |
| Sub limit | NA |
| Renewability | life long |
| Pre hospirtalization | 60 days prior |
| Post Hospitalization | 90 days after hospitalization |
| Waiting Period | 30 days intial waiting period |
| Pre- existing cover | 2 yrs |
| Day care procedures | 144 day care procedure covered |
| Additional Cover | Coverage of newborn from birth, Out patient Dental treatment – 50% payment, Spectacles, contact lenses, hearing aid, Critical illness cover, Hospital daily cash |
| Domiciliary treatment | up to Sum Assured |
| Ambulance | 2000/3200/15000 as per plan opted |
| Air Ambulance | NA |
| Organ donor | up to sum assured |
| Restore Benefit | Sum assured reinstated ONLY Once in a policy year. The regain benefit is available for a different disease ONLY. ( Available ONLY if you have opted) |
| Unlimted Restore benefit | NA |
| Multiplier benefit/ Bonus | 5% is added for no claim made. Available only up to 50% of Sum Assure. |
| E Opinion in respect of a critical illness | On additional premium payment |
| Daily cash | If opted |
| Stay active Benefit | NA |
| Discounts | 10% /13% discount for 2 /3 year premium payment, Family dicount of 10% if 2 or more member are covered |
| Tax benefits under 80D | Tax benefits under 80D of Income Tax Act |
| Health check limit | only once after 4 continuous claim free years. Amount paid is 1% of SA. The maximum payment amount is 5000 |
| Renewal | Life Long |
| Preventive health check up | NA |
| Premium Individual – | Age 34 yrs |
| 5 lac | Rs. 5862 |
| 10 lac | For Silver Rs.9380,For Gold Rs.11162, For platinum Rs.12988, For Global Rs.45240 |
| Family Floater | Age and Premium |
| Age of family members | 42/39/10/8 |
| Sum Assured-5 lac | Rs.15875 For Silver plan |
| Sum Assured-10 lac | Rs. 25398 For Silver plan |
| Alternate treatment | Available |
| Ayush Treatment | In patient hospital expenses |
| Secure benefit | NA |
| Maternity Cover | Medical Expenses for maternity including pre-natal and post-natal expenses after a waiting period of 4 years. Global coverage if mentioned in schedule. A deductible of USD 100 applies for outside India. |
| Additional Benefit | Coverage of newborn on birth,maternity expenses, outpatient dental treatment, spectacles,E opinion for critical illness, Convalescence charges on additional payment |
| Co Payment option | • 25% discount on base premium if the Insured opts for 20% Co-pay option on his/her Health Suraksha Plan. •10% discount on base premium if the Insured opts for 10% Co-pay option on his/her Health Suraksha Plan. |
Different variants in HDFC Ergo Health Suraksha
Silver Plan : The sum insured available for this plan is Rs. 1 Lakh, Rs. 2 Lakh, Rs. 3 Lakh, Rs. 4 Lakh, Rs.5 Lakh, Rs. 7.5 Lakh, Rs. 10 Lakh, Rs.15 Lakh, Rs. 20 Lakh, Rs. 25 Lakh and Rs. 50 Lakh
Gold Plan : The sum insured available for this plan is Rs. 1 Lakh, Rs. 2 Lakh,Rs. 3 Lakh, Rs. 4 Lakh, Rs. 5 Lakh, Rs.. 10 Lakh, Rs. 15 Lakh, Rs.20 Lakh, Rs. 25 Lakh and Rs. 50 Lakh
Platinum Plans: The sum insured available for this plan is Rs. 2 Lakh,Rs. 3 Lakh, Rs. 4 Lakh, Rs. 5 Lakh, Rs.
7.5Lakh, Rs. 10 Lakh, Rs. 15 Lakh, Rs. 20 lakh 25 Lakh and Rs. 50 Lakh
Global Plan : The sum insured available for this plan is Rs. 25 Lakh and Rs. 50 Lakh, Rs 1 Crore, Rs 1.5 Crore Rs 2 Crore
What is Covered in HDFC Ergo health Suraksha?
HDFC Health Suraksha plan provides in patient hopitalization expenses due to illness or accident. They pay the expenses for room rent, boarding expenses, nuring, ICU, doctor fee, medicines bill and other related expenses.
Health Suraksha plan also priovides pre and post hospitalization expenses for 60 and 90 days respectively. Even 144 day care procedures are also covered.
Medical treatment at home is also covered. The plan will also provide the cover for organ donor,emergency ambulance expenses, Ayush coverage for in patient treatment only.
Cumulative bonus _ for every claim free year 5% of NCB is added to the plan. NCB is given up to maximum of 50% of SA.
Should I Purchase HDFC Ergo Health Suraksha?
HDFC Ergo Health Suraksha is a good option for basic health coverage. Health Suraksha is a good choice if you are not dependent on reinstating of sum assured. The premium is quite low as compared to HDFC Optima restore and HDFC Ergo Optima Secure. You can check the premium of these two plans also. HDFC Ergo Optima Secure vs Optima Restore – Which one to buy
One can alternatively increase the sum assure cost effective way by adding a super top up plan to the base plan.
Additional Reading Health Insurance-Which is better family floater or individual
